PayPal officially joins the race, page-565

Unlikely CCs are dying. They will probably be adopted by the BNPL groups just as the PayPals and majors will adopt the 4 payment repayments schemes.

Its likely there's room for credit suppliers from many sources including APT Z1P etc and banks included, not just one one major source...I can get 7 different credit cards tomorrow, including from MYER and any regional bank....credit is attractive for both suppliers and demanders (even if it can't be afforded).

There's room for all credit supply for a long time.